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₹5,000
₹500₹1,00,000
12%
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10 Yrs
1 Year40 Years
Your Investment Summary
💰 Total Invested—
📈 Est. Returns—
⏱️ Duration10 Years
🔢 Wealth Multiple—
Maturity Value
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Returns make up — of total
Portfolio Breakdown
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Invested Amount
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—% of total
Estimated Returns
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Annual Return Rate
12% p.a.
Year-by-Year Growth
| Year | Invested (₹) | Returns (₹) | Maturity (₹) | YoY Growth |
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📌 What is SIP?
A Systematic Investment Plan (SIP) lets you invest a fixed amount in mutual funds at regular intervals — building wealth through discipline and compounding over time.
📐 Formula Used
M = P × {[(1+r)ⁿ – 1] / r} × (1+r)
Where M = maturity value, P = monthly SIP, r = monthly interest rate, n = total months.
⚡ Why SIP Works
SIPs harness rupee-cost averaging, the power of compounding, and financial discipline — ideal for retirement, education, or long-term wealth creation goals.
Frequently Asked Questions
SIPs are generally better for salaried individuals, spreading market risk through rupee-cost averaging. Lump-sum can outperform when markets are at a low. The right choice depends on your income pattern and market outlook.
Equity mutual funds in India have historically delivered 10–15% CAGR over the long term. Debt funds typically yield 6–8%. Most financial planners recommend using 10–12% as a conservative estimate for equity SIPs.
Yes — most mutual fund houses allow you to pause, increase, decrease, or stop your SIP without penalty. Step-Up SIPs can automatically increase your contribution annually to match income growth.
For equity funds held under 1 year — STCG tax at 15%. Holdings over 1 year — LTCG above ₹1 lakh taxed at 10%. Debt fund gains are added to income and taxed at your slab rate. Consult a tax advisor for personal guidance.
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